/* =========================================================
   KIG Contractor Insurance — Public Site CSS
   Brand: Dark navy #0f1f3d | Accent red #c0202e | White text
   ========================================================= */

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0f1f3d;
  --navy-light: #1a3060;
  --navy-mid:   #142448;
  --red:        #c0202e;
  --red-dark:   #a01a25;
  --gold:       #c9a227;
  --white:      #ffffff;
  --offwhite:   #f5f6f8;
  --gray:       #6b7280;
  --gray-light: #e5e7eb;
  --text:       #1f2937;
  --shadow:     0 4px 24px rgba(15,31,61,0.12);
  --shadow-lg:  0 8px 40px rgba(15,31,61,0.18);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

a { color: var(--red); text-decoration: none; }
a:hover { color: var(--red-dark); }

/* ── Topbar ── */
.kig-topbar {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  font-size: 0.8rem;
  padding: 6px 0;
  text-align: center;
  letter-spacing: 0.3px;
}
.kig-topbar a { color: var(--gold); }
.kig-topbar strong { color: var(--white); }

/* ── Navigation ── */
.kig-nav {
  background: var(--white);
  border-bottom: 3px solid var(--red);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,0.08);
}
.kig-nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.kig-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  font-size: 1.4rem;
  color: var(--navy);
  text-decoration: none;
}
.kig-logo span { color: var(--red); }
.kig-logo-badge {
  background: var(--navy);
  color: var(--white);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 1px;
  padding: 2px 7px;
  border-radius: 3px;
  text-transform: uppercase;
}
.kig-nav-links {
  display: flex;
  gap: 4px;
  align-items: center;
  list-style: none;
}
.kig-nav-links a {
  color: var(--navy);
  font-weight: 500;
  font-size: 0.9rem;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all 0.2s;
}
.kig-nav-links a:hover, .kig-nav-links a.active {
  background: var(--navy);
  color: var(--white);
}
.kig-nav-cta {
  background: var(--red) !important;
  color: var(--white) !important;
  border-radius: 24px !important;
  padding: 9px 22px !important;
  font-weight: 700 !important;
}
.kig-nav-cta:hover { background: var(--red-dark) !important; }

/* Mobile nav toggle */
.kig-nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.kig-nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all 0.3s;
}

/* ── Hero ── */
.kig-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1e3a70 100%);
  color: var(--white);
  padding: 90px 24px 80px;
  position: relative;
  overflow: hidden;
}
.kig-hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(192,32,46,0.18) 0%, transparent 70%);
  border-radius: 50%;
}
.kig-hero::after {
  content: '';
  position: absolute;
  bottom: -40px; left: -40px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(201,162,39,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.kig-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.kig-hero-tag {
  display: inline-block;
  background: rgba(192,32,46,0.2);
  border: 1px solid rgba(192,32,46,0.4);
  color: #fca5a5;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.kig-hero h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.kig-hero h1 em {
  font-style: normal;
  color: var(--gold);
}
.kig-hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 32px;
  max-width: 540px;
}
.kig-hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 32px;
}
.kig-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 20px;
}
.kig-badge svg { width: 14px; height: 14px; flex-shrink: 0; }
.kig-hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  background: var(--red);
  color: var(--white);
  border: none;
  padding: 14px 32px;
  border-radius: 32px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
}
.btn-primary:hover { background: var(--red-dark); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(192,32,46,0.4); color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
  padding: 13px 28px;
  border-radius: 32px;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.1); color: var(--white); }

/* ── Quote Form Card (in hero) ── */
.kig-quote-card {
  background: var(--white);
  border-radius: 16px;
  padding: 36px 32px;
  box-shadow: var(--shadow-lg);
}
.kig-quote-card h3 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
  text-align: center;
}
.kig-quote-card p {
  font-size: 0.85rem;
  color: var(--gray);
  text-align: center;
  margin-bottom: 22px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--gray-light);
  border-radius: 8px;
  font-size: 0.92rem;
  color: var(--text);
  transition: border-color 0.2s;
  font-family: inherit;
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(15,31,61,0.07);
}
.form-group textarea { resize: vertical; min-height: 80px; }
.btn-submit {
  width: 100%;
  background: var(--red);
  color: var(--white);
  border: none;
  padding: 14px;
  border-radius: 32px;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.2s;
  margin-top: 4px;
}
.btn-submit:hover { background: var(--red-dark); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(192,32,46,0.35); }

/* ── Trust Bar ── */
.kig-trust-bar {
  background: var(--offwhite);
  border-bottom: 1px solid var(--gray-light);
  padding: 20px 24px;
}
.kig-trust-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}
.kig-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}
.kig-trust-item svg { width: 20px; height: 20px; color: var(--red); flex-shrink: 0; }
.kig-trust-divider { color: var(--gray-light); font-size: 1.4rem; }

/* ── Section Shared ── */
.section { padding: 72px 24px; }
.section-sm { padding: 48px 24px; }
.section-dark { background: var(--navy); color: var(--white); }
.section-offwhite { background: var(--offwhite); }
.container { max-width: 1200px; margin: 0 auto; }
.section-label {
  display: inline-block;
  color: var(--red);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.section-title {
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
  letter-spacing: -0.3px;
}
.section-dark .section-title { color: var(--white); }
.section-desc {
  font-size: 1.05rem;
  color: var(--gray);
  max-width: 600px;
  margin-bottom: 48px;
}
.section-dark .section-desc { color: rgba(255,255,255,0.7); }
.text-center { text-align: center; }
.text-center .section-desc { margin-left: auto; margin-right: auto; }

/* ── Coverage Cards ── */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin-top: 12px;
}
.coverage-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: 14px;
  padding: 28px 24px;
  transition: all 0.25s;
  position: relative;
  overflow: hidden;
}
.coverage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: transparent;
}
.coverage-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 4px; height: 100%;
  background: var(--red);
  border-radius: 4px 0 0 4px;
}
.coverage-icon {
  width: 48px; height: 48px;
  background: rgba(192,32,46,0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.coverage-icon svg { width: 24px; height: 24px; color: var(--red); }
.coverage-card h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.coverage-card p {
  font-size: 0.88rem;
  color: var(--gray);
  line-height: 1.55;
}

/* ── Why KIG / Features ── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 32px;
  margin-top: 12px;
}
.why-card {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.why-icon {
  width: 52px; height: 52px;
  background: rgba(192,32,46,0.1);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-icon svg { width: 26px; height: 26px; color: var(--red); }
.why-card h4 { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.why-card p { font-size: 0.9rem; color: var(--gray); line-height: 1.55; }
.section-dark .why-card h4 { color: var(--white); }
.section-dark .why-card p { color: rgba(255,255,255,0.65); }
.section-dark .why-icon { background: rgba(255,255,255,0.08); }

/* ── Stats strip ── */
.stats-strip {
  background: var(--red);
  color: var(--white);
  padding: 40px 24px;
}
.stats-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item .stat-num {
  font-size: 2.2rem;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 6px;
}
.stat-item .stat-label {
  font-size: 0.82rem;
  opacity: 0.88;
  letter-spacing: 0.3px;
}

/* ── Niche Cards (hub page) ── */
.niche-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.niche-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: 16px;
  overflow: hidden;
  transition: all 0.25s;
  text-decoration: none;
  display: block;
  color: inherit;
}
.niche-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
  color: inherit;
}
.niche-card-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
}
.niche-card-header::after {
  content: '';
  position: absolute;
  bottom: -20px; right: -20px;
  width: 80px; height: 80px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.niche-card-icon {
  width: 56px; height: 56px;
  background: rgba(192,32,46,0.2);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}
.niche-card-icon svg { width: 28px; height: 28px; color: #fca5a5; }
.niche-card-header h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 6px;
}
.niche-card-header p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
}
.niche-card-body {
  padding: 22px 28px;
}
.niche-card-features {
  list-style: none;
  margin-bottom: 18px;
}
.niche-card-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--text);
  padding: 4px 0;
}
.niche-card-features li::before {
  content: '';
  width: 7px; height: 7px;
  background: var(--red);
  border-radius: 50%;
  flex-shrink: 0;
}
.niche-card-link {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--red);
  font-weight: 700;
  font-size: 0.9rem;
}

/* ── CTA Banner ── */
.kig-cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 72px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.kig-cta-banner::before {
  content: '';
  position: absolute;
  top: -80px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 300px;
  background: radial-gradient(ellipse, rgba(192,32,46,0.15) 0%, transparent 70%);
}
.kig-cta-banner h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 900;
  margin-bottom: 16px;
  position: relative;
}
.kig-cta-banner p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 36px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}

/* ── FAQ ── */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-light);
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-question {
  padding: 18px 22px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--white);
  transition: background 0.2s;
  user-select: none;
}
.faq-question:hover { background: var(--offwhite); }
.faq-question svg {
  width: 18px; height: 18px;
  color: var(--red);
  flex-shrink: 0;
  transition: transform 0.3s;
}
.faq-item.open .faq-question svg { transform: rotate(180deg); }
.faq-answer {
  padding: 0 22px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s;
  color: var(--gray);
  font-size: 0.93rem;
  line-height: 1.65;
}
.faq-item.open .faq-answer { max-height: 300px; padding: 0 22px 18px; }

/* ── Footer ── */
.kig-footer {
  background: #080f1e;
  color: rgba(255,255,255,0.65);
  padding: 60px 24px 32px;
}
.kig-footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand { }
.footer-brand .logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
}
.footer-brand .logo span { color: var(--red); }
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.65;
  max-width: 280px;
  margin-bottom: 18px;
}
.footer-phone {
  color: var(--gold);
  font-size: 1.1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
}
.footer-col h5 {
  color: var(--white);
  font-size: 0.88rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 9px; }
.footer-col ul a {
  color: rgba(255,255,255,0.6);
  font-size: 0.87rem;
  transition: color 0.2s;
  text-decoration: none;
}
.footer-col ul a:hover { color: var(--white); }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
}
.footer-bottom a { color: rgba(255,255,255,0.5); }

/* ── Quote Modal ── */
.kig-modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.kig-modal-overlay.active { display: flex; }
.kig-modal {
  background: var(--white);
  border-radius: 18px;
  padding: 40px 36px;
  max-width: 560px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  animation: slideUp 0.3s ease;
}
@keyframes slideUp {
  from { transform: translateY(30px); opacity: 0; }
  to   { transform: translateY(0);    opacity: 1; }
}
.kig-modal-close {
  position: absolute;
  top: 16px; right: 20px;
  background: none;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  color: var(--gray);
  line-height: 1;
}
.kig-modal h2 {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}
.kig-modal .modal-sub {
  font-size: 0.9rem;
  color: var(--gray);
  margin-bottom: 24px;
}

/* ── Success State ── */
.success-message {
  display: none;
  text-align: center;
  padding: 20px;
}
.success-message.active { display: block; }
.success-icon {
  width: 64px; height: 64px;
  background: rgba(16,185,129,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.success-icon svg { width: 32px; height: 32px; color: #10b981; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .kig-hero-inner { grid-template-columns: 1fr; }
  .kig-quote-card { max-width: 520px; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .kig-footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .kig-nav-links { display: none; }
  .kig-nav-links.open { display: flex; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); padding: 16px; border-bottom: 1px solid var(--gray-light); box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
  .kig-nav-toggle { display: flex; }
  .kig-trust-inner { gap: 20px; }
  .kig-trust-divider { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .kig-footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .stats-inner { grid-template-columns: 1fr 1fr; }
  .kig-hero { padding: 60px 20px 50px; }
  .section { padding: 52px 20px; }
}